Speaking With Insurance Adjusters After a New Jersey Car Accident


If you have been injured in a car accident due to another party’s negligence, you may be entitled to recover compensation. But, this means speaking with the other party’s insurance company. Read on to learn more about what to expect when speaking with insurance adjusters after an accident.

What to Know Before Speaking With Insurance Adjusters

They Will Lowball You

Often, the first offer from an insurance company is extremely low, even if it does not seem that way. These companies know that individuals who have been involved in car accidents are vulnerable and struggling to pay off medical bills and other expenses. Their hopes are that you will accept the first offer in order to cover your expenses right away. But, with a low offer, you may not be able to cover all of your expenses down the line. Generally, you should not accept a first offer.

They Might Ignore You

If you do not accept their first offer, the insurance company may simply ignore you. This is done in the hopes that the statute of limitations will pass and you will no longer be able to sue. In New Jersey, the statute of limitations for a personal injury claim is generally two years from the date of the accident.

They May Downplay/Deny Your Injuries

Often, insurance adjusters will attempt to downplay or even deny your injuries. They may accuse you of lying about your injuries so they can avoid including medical expenses in your settlement offer. This is why it is so important to keep detailed records of your doctor visits, follow-up appointments, and medical bills.

They Can Twist Your Words

It is important that you do not answer any questions without an attorney. Insurance adjusters are known to ask loaded questions and twist your words to use against you.

You Do Not Have to Use Their Autobody Shop

If an insurance adjuster suggests a certain autobody shop, you are not legally obligated to go. Often, insurance companies and autobody shops have arrangements.  Instead, you should go to a trusted and reputable autobody shop near you.

Never Sign Anything Without an Attorney

When it comes to signing legal documents, the fine print is often overlooked. As a result, it is important that you do not sign anything without having an attorney review it first.

If you have been injured in a car accident in New Jersey, you will need an experienced and dedicated attorney on your side. Contact our firm. We will fight for you to recover the compensation you deserve.


If you have been the victim of the negligence of another in an accident, please contact my office as quickly as possible following the subject accident. It is important to consult with us early on so that we may begin the process of fighting for your rights in regard to any potential claim that you may have. The process is complicated and requires the expertise of a qualified New Jersey personal injury attorney. CONTACT US TODAY!

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